Detroit, MI Auto Insurance Rates

Detroit, MI residents can save $1640 by comparing multiple quotes & reading reviews & research on Detroit car insurance rates, quotes, agents & coverage.

Compare Quotes from Top Providers and Save now!

LowestAverageHighest
$2,969 $4,096 $7,021
Write Your Review | Detroit, Michigan Auto Insurance Analysis
Allstate Auto Insurance, Detroit, MI
$166/1 month
Car Insurance Policy Holder
  • Single 35 Years old Female licensed 11 years ago with Financed Volvo XC90 3.2 used for Business with estimated annual mileage of 20,001+.
  • Associate, pursuing Bachelors Degree & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 2 cars insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage

Latest Auto Insurance Reviews

Drunk driving in Detroit will cost you $8554 in auto insurance

At $4599, Detroit has one of the highest annual average auto insurance rates in the country as of December 2013. The state average of $2520 is amongst the highest state averages in the country. Given that it is in mandatory in Michigan, auto insurance is a substantial expense in owning and operating a car in Michigan. The rates do vary across the state. For instance, it costs an average $1757 in Muskegon, $2945 in Dearborn and $3203 in Flint to buy auto insurance.

Insurance premiums being as high as they are in Michigan, it is important to maintain a good driving record so as not to allow the costs of owning a car spiral out of control. The costs of bad or irresponsible driving may provide motivation to drive safe. For example, we all know that accidents will drive up insurance costs. One accident will push up your premium to $5664 in Detroit. A second accident will push it up to $8450.

Drunk driving can have an even bigger impact on insurance costs than accidents. If you get caught driving drunk in Detroit your premium will skyrocket from $4599, which is already high, to $8554 in one shot. At that cost, it might be just plain impossible to maintain a car. A defensive driving course will not only help you become a better driver who is less prone to have accidents but also reduce your inflated premium payments by up to 15%. In Detroit, a 15% reduction in premium after getting caught drunk driving will see the premium stand at $7271. That reduced rate is still amongst the highest in the country.

One of the reasons for the expensive insurance rates in Michigan is the high number of alcohol impaired driving fatalities. Of the 938 traffic fatalities in Michigan in 2012, 259, or 28%, were alcohol related. If $8554 isn’t enough motivation to drive safely, then consider the cost of your life.

Detroit Car Insurance Rate Comparisons

Detroit, MI's average car insurance of $4096 differs from Warren, MI (-$1402), Harper Woods, MI (-$1029), Melvindale, MI (-$1447) and Michigan (-$1576)

Detroit Warren, MI Harper Woods, MI Melvindale, MI Michigan
Median Insurance Rates $4096 -$1402 -$1029 -$1447 -$1576

Detroit Car Insurance Savings By Neighborhood & Street Area

Detroit Driver Street Residence & Car Locations Car Details in Detroit Detroit Driver Demographics Detroit Auto Insurance Estimates Recent Detroit Insurance Savings
Other Area
Loretto St2005 Buick Rendezvous CXL27 year woman$3,689$880
Loretto St2004 Audi A4 3.0 quattro19 year teenager$8,451$862
Jane St2008 Acura TSX Base39 year man$5,256$933
Jane Ave2009 Ford Fusion V6 SEL39 year married man$4,446$586
Jane Ave2006 Chevrolet Silverado 2500HD Work Truck17 year female teenager$6,981$933
Loretto St2011 Hyundai Sonata GLS82 year senior$4,468$358
Loretto St2007 Jeep Grand Cherokee Overland34 year married woman$2,720$612
Filbert Ave2012 Honda Civic LX71 year female senior$4,267$793
Loretto Ave2010 Mazda Mazda3 s Sport19 year male teenager$7,115$657
Coplin Ave2013 Nissan Rogue S72 year male senior$4,338$935

Detroit Post DUI Car Insurance Rates

Detroit Redford charter Warren Melvindale Michigan
Median Post DUI Insurance Rate $7618 -$1276 -$2608 -$2691 -$2931
Male Teenager Post DUI Insurance Rate $13635 -$2284 -$4667 -$4817 -$5247
Female Teenager Post DUI Insurance Rate $13559 -$2271 -$4641 -$4790 -$5217

The Post DUI insurance in Detroit, MI's is $7618 compared to Redford charter (-$1276), Warren (-$2608), Melvindale (-$2691) and Michigan (-$2931)

In Detroit, a male teenager with Post DUI pays $76 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2008 Acura TSX Base in Detroit, MI would pay $14111 on auto insurance while a female teenager POST DUI would pay $14033.

Detroit Car Insurance by Segment

Detroit Teenagers Car Insurance Rates Comparison

64202 Detroit Teenagers (8% of total population), 50% Male & 50% Female.

Detroit Madison Heights Warren Berkley Michigan
All Teenagers $7290 -$3300 -$2495 -$3764 -$2805
Male Teenager $7331 -$3318 -$2509 -$3786 -$2821
Female Teenager $7290 -$3300 -$2495 -$3764 -$2805

Detroit teenagers pay $7290 in insurance in contrast with Madison Heights (-$3300), Warren (-$2495), Berkley (-$3764) and Michigan (-$2805). The difference between Male & Female teenagers in Detroit is $41

Example

  • 2006 Chrysler 300C Srt-8 Male Teenager Insurance Rate $7,496
  • 2012 Dodge Journey SXT Female Teenager Insurance Rate $6,817

Detroit Men & Women Car Insurance

721459 Detroit Adults (100% of total population), 47% Men & 53% Women.

Detroit Pleasant Ridge Eastpointe Melvindale Michigan
All Women $3768 -$751 -$1503 -$1331 -$1450
Married Women $3276 -$652 -$1306 -$1157 -$1260
All Men $5079 -$1012 -$2025 -$1795 -$1955
Married Men $4833 -$963 -$1927 -$1708 -$1860

The typical insurance rate of $5079 that Detroit Men pay varies from Pleasant Ridge (-$1012), Eastpointe (-$2025), Melvindale (-$1795) and Michigan (-$1955). In Detroit, married men pay $1557 more than married women.

Example

  • 2011 Lincoln MKZ Base Married Men Insurance Rate $4,668
  • 2011 GMC Sierra 1500 SLE Married Women Insurance Rate $4,377

Detroit Senior Car Insurance

119927 Detroit Seniors (16% of total population), 41% Senior Men & 59% Senior Women.

Detroit Huntington Woods Warren River Rouge Michigan
All Seniors $4546 -$2077 -$1556 -$1413 -$1749
Senior Men $4546 -$2077 -$1556 -$1413 -$1749
Senior Women $4587 -$2095 -$1570 -$1426 -$1765

Detroit seniors pay $4546 in insurance compared to Huntington Woods (-$2077), Warren (-$1556), River Rouge (-$1413) and Michigan (-$1749). In Detroit, senior men pay $41 less than senior women.

Detroit Car Insurance Discounts for Multiple Vehicles

Detroit Population with 1 Vehicle 120645 (47% of Detroit population), 2 Vehicles 58319 (23% of the Detroit population) and 3 vehicles 14517 (6% of the population)

Detroit Highland Park Redford charter Huntington Woods Michigan
2 Vehicles $7783 +$224 -$1304 -$3555 -$2995
3 Vehicles $11879 +$342 -$1990 -$5426 -$4571
4 Vehicles $15975 +$460 -$2676 -$7297 -$6147

Car Insurance Agents in Detroit, MI

Rank Agent Name Agent Contact
1 AAA Insurance 719 Griswold St Ste 170, Detroit, MI 48226
2 AAA Insurance 7910 W Outer Dr, Detroit, MI 48235
3 Advasure Insurance Agency XXX 20853 Plymouth Rd, Detroit, MI 48228
4 Ago Benavides 7430 W Vernor Hwy, Detroit, MI 48209
5 Angela Hughes 14511 W McNichols Road Detroit, MI 48235
6 Anthony Jackson 23221 Plymouth Rd, Detroit, MI 48239
7 Camden Insurance Agency 17900 Ryan Rd Ste A, Detroit, MI 48212
8 Charlotte Knight 7100 W 7 Mile Rd, Detroit, MI 48221
9 Clark Financial Services & Insurance Agency 2711 E Jefferson Ave Ste 206, Detroit, MI 48207
10 Clifford Black 18478 Livernois Ave, Detroit, MI 48221

Find the Cheapest auto insurance in Detroit, MI